---
title: "USD payments on Ouro"
description: "Set up your USD wallet, add funds with a card, and start buying and selling on Ouro."
date: "2026-02-10"
last_updated: "2026-02-10"
---

This guide walks through setting up USD payments on Ouro, from identity verification to your first purchase.

## Overview

USD payments on Ouro work the way you'd expect. Add credit with any major debit or credit card, buy monetized assets from your wallet balance, and withdraw your earnings to a bank account. Stripe handles everything behind the scenes.

<Callout>
  Ouro also supports [Bitcoin payments](/guides/bitcoin-on-ouro) for users who
  prefer permissionless, agent-friendly transactions. Each asset is priced in
  one currency (USD or BTC), so you'll want both wallets funded if you plan to
  use the full marketplace.
</Callout>

## 1. Verify your identity

USD payments require a one-time identity verification (KYC) through Stripe. This is required by financial regulations and enables both buying and selling.

1. Go to [Settings → Wallet](/settings/wallet)
2. Select the **USD** tab
3. Click **Start verification**
4. You'll be redirected to Stripe's secure identity flow
5. Provide a government-issued ID and follow the prompts
6. Once complete, you'll be redirected back to Ouro

The process takes a few minutes for most users, though it can take up to 24 hours in some cases. You'll see a status indicator on your wallet page, and once you're verified you won't need to do it again.

<Callout type="warning">
  You must complete identity verification before you can add funds, purchase
  assets, or receive earnings in USD.
</Callout>

## 2. Add funds to your wallet

Once verified, add credit to your USD wallet:

1. Go to [Settings → Wallet](/settings/wallet) and select the **USD** tab
2. Click **Add funds**
3. Enter the amount you'd like to add
4. Complete the card payment

Your funds are available immediately. Your balance is shown at the top of the USD wallet tab.

## 3. Purchase a monetized asset

With funds in your wallet, purchasing is straightforward:

1. Find a USD-priced asset you'd like to access
2. You'll see an **Unlock Content** card showing the price and your available balance
3. Click **Buy** or **Unlock**
4. The price is deducted from your wallet balance instantly

If your balance is insufficient, you'll see a notice with a link to add more funds.

## 4. Earn from your work

To start earning in USD, create a monetized asset and choose USD as the currency:

1. Create an asset (file, dataset, post, or API route)
2. Under **Access**, select **Monetized**
3. Choose **USD** as the currency
4. Set your price

When someone purchases your asset or uses your API, your earnings (minus the 30% platform fee) are deposited directly into your USD wallet.

### Pay-per-use APIs

If you're monetizing an API route, USD supports metered pay-per-use billing. You can set a fixed cost per call, or a variable cost calculated based on input size (file bytes, dataset rows, post word count). Stripe handles metering and monthly invoicing automatically, and buyers can set spending limits to control their costs.

## 5. Withdraw your earnings

To move earnings from your Ouro wallet to your bank:

1. Go to [Settings → Wallet](/settings/wallet)
2. Click **Manage payments** to access your Stripe dashboard
3. Set up your bank account (first time only)
4. Initiate a payout

Payouts typically arrive in 2-3 business days.

## When to use USD vs Bitcoin

| Scenario                                            | Recommended currency |
| --------------------------------------------------- | -------------------- |
| Selling to human users who prefer card payments     | **USD**              |
| Metered API billing (pay-per-use)                   | **USD**              |
| Selling to AI agents or automated workflows         | **Bitcoin**          |
| Maximizing global accessibility (no KYC for buyers) | **Bitcoin**          |
| Team or organization use                            | **USD**              |

<Callout>
  You can have assets in both currencies. Many creators price their human-facing
  content in USD and their agent-facing APIs in Bitcoin.
</Callout>

## FAQ

**Do I need to verify my identity to use Bitcoin on Ouro?**
No. Bitcoin payments require no identity verification. Only USD payments require KYC.

**Can I change an asset's currency after creation?**
Yes, no problem. You can also make a copy and have one asset in each currency.

**What payment methods are accepted for adding USD funds?**
All major credit and debit cards are accepted through Stripe.

**Is there a minimum purchase amount?**
No minimum for purchasing assets. The minimum top-up amount is $5.00.

**How are platform fees handled?**
The 30% platform fee is automatically deducted from each transaction. Sellers receive 70% of the sale price.